| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD | $10K | — | $10K | 0.66% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 17.39% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.41% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $669 | $6K | 22.37% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | DEARBORN LIFE INSURANCE | $2K | $1K | $3K | 14.73% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $625 | $102 | $727 | 17.46% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 368 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD | 368 | $1.5M |
| Vision | DEARBORN LIFE INSURANCE | 179 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.